Information on fees

If you are 65 years of age or older you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Under 18's

If you are under the age of 18 years old you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Tertiary students

If you are registered as a full time student at a tertiary institution you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Term deposit customers

If you have a term deposit over $1,000 with us you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Home loan customers

If you have a home loan with us you will not be charged fees for account management and EFTPOS. Please note, all staff assisted withdrawal and transfer fees will still apply.^

^Service fees detailed down the page will still apply. Withdrawal and transfer fees on Success Saver, Loyalty Saver and Christmas Saver accounts will still apply for over 65's, under 18's, tertiary and term deposit customers. Staff assisted withdrawal and transfer fees on Transaction and Savings accounts will still apply for home loan customers. Staff assisted withdrawal and transfers include transactions handled by our staff in a branch, by phone or by email.

If a customer account is inactive for more than one year and the customer cannot be located, this account is treated as dormant and a fee of $20 is charged for the transfer to dormancy and each subsequent year of inactivity. Reasonable action is taken to contact affected customers to reactivate their account.

Where NZCU Baywide incurs a charge from another organisation when acting on a customer’s behalf, NZCU Baywide will pass these costs on to the customer. Due to the nature of these charges the exact cost will not be known until the time of application. Examples of such cost include, but are not limited to, credit checks, legal costs and disbursements or costs associated with the registration of securities. If you would like further information about these possible charges please contact us on 0800 229 943.

Credit Union Baywide shares are secured by a first ranking security of NZCU Baywide's assets.

The current Credit Risk Statement, Product Disclosure Statement and other disclosure statements are available here or from any of our branches.Phone: 0800 229 943 or (06) 873 1100Email: enquiries@nzcubaywide.co.nz

*Credit Union Baywide trading as NZCU Baywide. Terms and conditions and normal lending criteria apply. A $500 approval fee and other fees apply for home lending. A $250 approval fee and other fees apply for personal lending. All variable rates, fees and returns are subject to change without notice. The current Product Disclosure Statement and other disclosure statements are available here or on request from the Credit Union. NZCU Baywide savings are shares secured by a first ranking security over NZCU Baywide's assets. Click here to view our rates and fees. The CANSTAR 5 Star Rating was awarded in December 2017 to NZCU Baywide for Orange Personal Loans and in June 2017 for our Online Saver account.